OrionShield 5
AuguStar Financial
8.6%
Best Cap
10%
Free W/D
51
States
A fixed indexed annuity that protects your retirement savings from market losses while providing growth opportunities based on stock market index performance. Ideal for pre-retirees who want market upside without the downside risk.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$25,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Dynamic Balanced Asset 10 Index | Annual | -- | 66% | -- |
| Multi-Asset Dynamic Managed 5 Index | Annual | -- | 144% | -- |
| Nasdaq Night Owl Index | Annual | -- | 55% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 51% | -- |
| S&P 500 Index | Annual | 8.6% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 129% | -- |
| Strategic Dynamic Balanced Asset 8 Index | Annual | -- | 94% | -- |
| Fixed Account | Daily | -- | -- | 3.1% |
Key Features
Principal Protection
0% minimum return0% floor means you never lose money due to market declines
Multiple Index Options
6 crediting strategiesChoose from S&P 500, Russell 2000, or Barclays Global Trailblazer indices
Tax Deferral
No taxes on growth until you withdraw funds
Free Withdrawals
10% annuallyTake up to 10% annually without surrender charges
Guaranteed Accumulation Protection
107% of premium guaranteedEnsures minimum 7% growth after surrender period
Death Benefit
Beneficiaries receive remaining contract value
Highlights
Protects your money from market losses with a 0% floor while still allowing growth potential
Offers multiple ways to earn interest tied to market performance of major indices like S&P 500
Tax-deferred growth means you don't pay taxes until you withdraw money
Guaranteed Accumulation Protection ensures minimum growth after surrender period ends
Can convert to guaranteed lifetime income you can't outlive
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver
Best For
Individuals at or nearing retirement who want growth potential but cannot afford to lose their principal to market volatility.
Consider Alternatives If
People who need immediate access to all their funds or want maximum growth potential regardless of risk.
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